ECPay in English: Accepting Payments in Taiwan (What It Asks For and Why We Got Rejected)

ECPay in English: accepting payments in Taiwan

TL;DR: ECPay (綠界科技, "Green World") is a Taiwanese payment gateway. It lets a small web shop take local credit cards, ATM bank transfers and payments at convenience-store counters, and it can also run convenience-store parcel pickup. For a personal seller, ECPay's official fee page lists domestic cards at 2.75% (minimum NT$5) plus a NT$1 processing fee per card order, with 5% business tax added at settlement. Its sign-up page verifies personal accounts with a Taiwanese national ID card and only accepts business accounts from entities registered in Taiwan. On 7 October 2026 that page said nothing about passports or resident permits, so if you're a foreigner, ask ECPay directly before you build around it. Our own two stores were rejected on 7 items before we got through.

We run three small web shops in Taiwan ourselves. Two of them went through ECPay's review, and this is what we learned. We left out store IDs and personal details.

What does ECPay actually do?

Think of it as Stripe-like card processing plus local payment methods plus parcel logistics, all in one back office. When our dried-peach store, Taolilife, went live on ECPay on 31 August 2026, these were the payment methods we actually had switched on:

For shipping we use ECPay's C2C convenience-store pickup across the four big chains. The buyer picks a store near them at checkout and collects the parcel there. A 7-Eleven parcel costs us NT$65.

Why this matters if you're coming from abroad: Stripe doesn't list Taiwan among its supported countries (stripe.com/global↗, checked 7 October 2026), and Shopify Payments isn't available in Taiwan either (Shopify Help Center↗). A local gateway like ECPay or NewebPay is how most small Taiwanese shops take money.

How much does ECPay charge?

From ECPay's official fee page (ecpay.com.tw/Business/payment_fees↗, checked 7 October 2026). Amounts are in NT$ and exclude tax unless noted.

The page adds 5% business tax on top of online payment fees at settlement. On the logistics side, the same page lists C2C pickup shipping at NT$65 for 7-Eleven and FamilyMart and NT$55 for Hi-Life.

A quick example using our own average order value of NT$928 (our calculation, before tax): a card payment costs about NT$25.5 + NT$1 = NT$26.5. An ATM transfer would be 1% = NT$9.3, but the floor is NT$15, so it's NT$15. A convenience-store code is a flat NT$31. Same order, three different fees.

One thing to notice in that table: as a personal seller you can't take foreign-issued cards. If most of your buyers pay with cards from outside Taiwan, a personal ECPay account won't cover them.

What does the ECPay application ask for?

ECPay's registration help page (support.ecpay.com.tw/4862↗, in Chinese, checked 7 October 2026) splits sellers into two identities.

The same page says business verification takes 2 to 5 working days. ECPay's review-criteria page (support.ecpay.com.tw/12605↗) adds that they check whether your industry is one they don't accept and whether your products are on their prohibited list.

Can a foreigner open an ECPay account?

Honest answer: ECPay's official pages don't say. We searched the registration page and the review-criteria page on 7 October 2026 for any mention of foreign nationals, passports or resident certificates (外籍, 外國, 護照, 居留). Zero hits on both. What the registration page does say:

• A personal account is verified with a national ID card (身分證). It doesn't mention any other ID document.
• A business account is only for entities registered in Taiwan, verified by a Taiwanese unified business number.

We're not going to guess beyond that. If you hold a Taiwan Resident Certificate (ARC) and want a personal account, contact ECPay and ask whether they'll accept it before you build your checkout around them. If you already have a Taiwanese company, the business route is the one the page clearly describes. If you have neither and you're selling into Taiwan from abroad, read our notes on Stripe for Taiwan sellers through a US LLC, with the caveat that Stripe on a foreign entity won't give you ATM transfers or convenience-store payment codes.

Why did ECPay reject our applications?

Both stores are ours. MaoMuse (custom pet portraits) applied first; Taolilife (dried peaches) applied a month later. Here's what came back.

For #5 we sent finished-product photos and the print shop's shipping records instead. Items 3 and 6 are the same rule, and we got caught by it twice, a month apart, on two different stores. We had assumed we knew which phone and email ECPay held on file. We didn't.

There was also a near miss that wasn't on the rejection list. The account we used for Taolilife was originally registered under antiques and art, not food. Collecting money for dried peaches under that category would have meant selling something other than what we registered. On 29 August we checked the back office and confirmed it now read food before we took a single card payment.

Approved isn't the same as working

Taolilife's credit-card service was approved on 28 August 2026 at 20:06. Payments went live on 31 August. In between, the live environment kept returning error 10200074 (encryption key not found). We'd first reported that error on 27 July. It wasn't fixed until 29 August, more than a month later. What finally moved it: ECPay's own payment link, created inside ECPay's own back office, failed in exactly the same way. That proved the problem was on their side, not in our code.

Two more things we hit after go-live:

• Switching gateways breaks the front end in quiet ways. When we moved Taolilife to ECPay, the convenience-store map parameters weren't updated. From 31 August to 4 September we had 21 checkout starts and 0 completed orders before we found it.
• In-app browsers can't post to ECPay. On our third store we found that the built-in browsers inside LINE, Facebook and Instagram couldn't submit the payment form to ECPay. If your traffic comes from social ads, test checkout inside those apps as well as in Chrome.

Before you apply: a short checklist

Turning our 7 rejections around, this is what we'd check first:

1. Log in to ECPay and look at the phone and email it actually verified. Put exactly those on your website, in the footer or contact page.
2. If you use a domain email for support, set up the mailbox before you register it. It has to receive mail.
3. Publish one pricing page: prices, shipping fees, payment methods, delivery time, contact details. Link it from every page.
4. Make sure the product category in the back office is what you really sell.
5. Take premises and inventory photos in advance. For made-to-order goods, prepare finished-product photos and supplier shipping records.
6. If your home address and your working address differ, have a second ID ready.
7. After approval, run a real card payment and a real convenience-store pickup order, including from inside LINE and Instagram.

The rest of the chain (platforms, shipping, tax registration, food and cosmetics rules) is in Selling online in Taiwan. The full story of the peach store is on its case page.

FAQ

What is ECPay?

ECPay (綠界科技) is a Taiwanese third-party payment and logistics provider. Small web shops use it to accept cards, ATM transfers, convenience-store payment codes and Apple Pay, and to ship through convenience-store pickup.

What are ECPay's fees?

For personal sellers, ECPay's official fee page lists domestic cards at 2.75% (minimum NT$5) plus NT$1 per card order, ATM transfers at 1% (minimum NT$15) and convenience-store codes at NT$31, with 5% business tax added. Foreign cards are only for contracted sellers, at 3.5%–3.8%.

Can foreigners use ECPay?

ECPay's registration page doesn't say. It verifies personal accounts with a Taiwanese national ID card and only accepts business accounts from entities registered in Taiwan. If you hold a resident certificate, ask ECPay before you commit.

Does ECPay have an English interface?

The help pages we used were in Chinese. We didn't check whether the merchant back office has an English version, so we can't say.

How long does ECPay's review take?

ECPay's registration page says business-identity verification takes 2 to 5 working days. For us the bigger delay came after approval: a key error took more than a month to fix.

Want someone to get your payment setup right the first time?

We've been rejected, fixed it and gone live on our own stores. If you're opening a shop in Taiwan and want someone to check your site the way a payment reviewer will, see our e-commerce coaching service or message us on Telegram↗.

Compiled from ECPay's official pages as of 7 October 2026. Fees and rules change; for your own case, confirm with ECPay or an accountant.

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